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Getting it together...one £ at a time!
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Yeah, I know there's a few nurseries in each area piloting it and I actually know someone who turned down the 30 hours :eek:
It is what it is, and I'm at peace with it. Just try not to think about it! HahaSealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
A couple of my friends did as well, I thought they were crazy lol xxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
Turned down 30 hours!!! omg no way I would have been all over it like a rash lol xxDebt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.800 -
Morning HG, hope all is well with you and the family.
My random thought for the day is your windows :rotfl: did you get a second quote or are you leaving it for now?
DD went to nursery for 2 days a week and I remember it costing us £20 per day. I'm really out of touch with things like that now, but wondering how that compares to what people have to pay these days. I don't understand the free hours but is it as good as it sounds or are there loopholes where parents don't actually fully benefit?
Hope you have a lovely day. I need to do my figures after being away for the weekend. Nothing major to report but I've lost track a little bit so need to pull my socks up. xx0 -
teafor2 - the going rate where I live is £45-55 a day for nursery and £35-40 for childminders. For us, the 30 free hours meant a saving of around £400 each month! It's term time only though, so if you need year-round childcare, it works out more like 22 hours, or around 2 free days a week. It did help us massively though.0
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Turned down 30 hours!!! omg no way I would have been all over it like a rash lol xx
I know - I'd have chopped off a limb in exchange for thathaha (kidding, obviously).
She said that because it's her last child, she'd rather have him home until he needs to go to school etc. Which, of course i get! But with me working full time, 30 hours free would have come in REALLY handy over the last 6 years! :eek:Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
Morning HG, hope all is well with you and the family.
My random thought for the day is your windows :rotfl: did you get a second quote or are you leaving it for now?
DD went to nursery for 2 days a week and I remember it costing us £20 per day. I'm really out of touch with things like that now, but wondering how that compares to what people have to pay these days. I don't understand the free hours but is it as good as it sounds or are there loopholes where parents don't actually fully benefit?
Hope you have a lovely day. I need to do my figures after being away for the weekend. Nothing major to report but I've lost track a little bit so need to pull my socks up. xx
Morning Tea - thanks for stopping by
We are getting a second quote - we are just waiting for the original guy to send through the measurements so that we can forward on and get a price. Definitely worth at least seeing what the price will be.
RE: nursery - I live in Scotland which i think is generally cheaper but the daily rate here is £42, or £200 for a week. Currently where I live, you get 600 per year free hours which are split over 9 months (3 months non funded to account for the 'school holidays'). It works out at a £175p/m saving for us during the 9 funded months.
I don't think there's loopholes as such - my situation above was just because the 30 free hours isn't being rolled out in Scotland until the start of the school year 2020 but some nurseries are piloting it this year so some people are being offered places for 30 free hours. My nursery isn't a pilot nursery so we're not eligible.Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
teafor2 - the going rate where I live is £45-55 a day for nursery and £35-40 for childminders. For us, the 30 free hours meant a saving of around £400 each month! It's term time only though, so if you need year-round childcare, it works out more like 22 hours, or around 2 free days a week. It did help us massively though.
Every little helps, right?Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
It wasn't full sessions for us either, term time only 2.5 hours per session. It helped but it isn't as great as it sounds on paper. More of a discount than free.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Blimey ladies, those figures are eye-watering for childcare :eek: The free hours are definitely worth having then. I only worked 4 days, MIL had DD for 2 days and then she went to nursery for 2 days so it wasn't too bad for us back in the day - 19 years ago! I bet you all feel like you've hit the jackpot when your DC's start school.
xx
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